US7120606B1 - System and method for secure electronic fund transfers - Google Patents
System and method for secure electronic fund transfers Download PDFInfo
- Publication number
- US7120606B1 US7120606B1 US09/501,874 US50187400A US7120606B1 US 7120606 B1 US7120606 B1 US 7120606B1 US 50187400 A US50187400 A US 50187400A US 7120606 B1 US7120606 B1 US 7120606B1
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- 238000000034 method Methods 0.000 title claims abstract description 119
- 238000012546 transfer Methods 0.000 title claims abstract description 93
- 238000012790 confirmation Methods 0.000 claims description 26
- 230000005540 biological transmission Effects 0.000 claims description 7
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- 210000001525 retina Anatomy 0.000 claims 17
- 238000004590 computer program Methods 0.000 claims 10
- 238000006243 chemical reaction Methods 0.000 claims 8
- 238000012795 verification Methods 0.000 claims 4
- 238000000151 deposition Methods 0.000 claims 1
- 238000005516 engineering process Methods 0.000 description 12
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Classifications
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
- G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/12—Payment architectures specially adapted for electronic shopping systems
- G06Q20/123—Shopping for digital content
- G06Q20/1235—Shopping for digital content with control of digital rights management [DRM]
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
Abstract
Description
-
- “List name and e-mail address of who you want to send money to.”
A form appears underneath this message, which has entry blocks for name, e-mail address and the amount of money to be transferred. Under alternative embodiments, the form also includes a multi-currency option. Under another alternative embodiment, the user has the option to exchange one currency designated infunds database 354 for another through the clearing bank.
- “List name and e-mail address of who you want to send money to.”
-
- “Do you wish to transfer the cash to a digital cash file on your PC for future digital payments, or do you wish to transfer the cash to your traditional bank account?”
-
- “Do you wish a regular transfer or express transfer?”
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- “This service costs $0.05 and the fee will be deducted from the amount you send. The cash will be transferred within 2 days to your account via the Automated Clearing House system. Do you wish to continue?”
An option to show this screen each time can be selected or unselected to speed users who are familiar with the system.
- “This service costs $0.05 and the fee will be deducted from the amount you send. The cash will be transferred within 2 days to your account via the Automated Clearing House system. Do you wish to continue?”
-
- “Please enter your Bank's ABA number or Routing and Transit Number, your account number, your name and the amount you wish to send. If you need help click here.”
-
- “This service costs $10.00 and the fee will be deducted from the amount you send. The cash will be immediately credited to your account via electronic funds transfer. Do you wish to continue?”
-
- “Please enter your Bank's ABA number or Routing and Transit Number, your account number, your name and the amount you wish to send. If you need help click here.”
-
- “No application software detected on your PC. Do you wish to download this application software plug-in or to do you wish to access the application software plug-in from the network without downloading this software to your computer's hard disk?”
-
- “Do you wish a regular transfer or express transfer?”
-
- “This service costs $0.05 and the fee will be deducted from the amount you send. The cash will be transferred within 2 days to your account via the Automated Clearing House system. Do you wish to continue?”
An option to show this screen each time can be selected or unselected to speed users who are familiar with the system.
- “This service costs $0.05 and the fee will be deducted from the amount you send. The cash will be transferred within 2 days to your account via the Automated Clearing House system. Do you wish to continue?”
-
- “Please enter your Bank's ABA number or Routing and Transit Number, your account number, your name and the amount you wish to send. If you need help click here.”
A form is presented with this screen to enter the ABA number, account number, user's name and the amount to be sent instep 635. If the help button is clicked, a picture of a check appears with instructions to “look at your checks in your checkbook to find these numbers”, which are circled and defined with picture examples given.
- “Please enter your Bank's ABA number or Routing and Transit Number, your account number, your name and the amount you wish to send. If you need help click here.”
-
- “Do you wish to transfer the cash to a digital cash file on your PC for future digital payments, or do you wish to transfer the cash to your traditional bank account?”
-
- “This service costs $10.00 and the fee will be deducted from the amount you send. The cash will be immediately credited to your account via electronic funds transfer. Do you wish to continue?”
-
- “Please enter your Bank's ABA number or Routing and Transit Number, your account number, your name and the amount you wish to send. If you need help click here.”
An option to show this screen each time can be selected or unselected to speed users who are familiar with the system.
- “Please enter your Bank's ABA number or Routing and Transit Number, your account number, your name and the amount you wish to send. If you need help click here.”
Claims (184)
Priority Applications (10)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US09/501,874 US7120606B1 (en) | 2000-02-10 | 2000-02-10 | System and method for secure electronic fund transfers |
EP01910457A EP1260051A4 (en) | 2000-02-10 | 2001-02-08 | System and method for secure electronic fund transfers |
CA002399638A CA2399638A1 (en) | 2000-02-10 | 2001-02-08 | System and method for secure electronic fund transfers |
AU2001238061A AU2001238061A1 (en) | 2000-02-10 | 2001-02-08 | System and method for secure electronic fund transfers |
PCT/US2001/003999 WO2001059983A1 (en) | 2000-02-10 | 2001-02-08 | System and method for secure electronic fund transfers |
US09/981,358 US7343349B2 (en) | 2000-02-10 | 2001-10-15 | System and method for secure data and funds transfer |
US10/769,084 US20050131811A1 (en) | 2000-02-10 | 2004-01-29 | System and method for message handling |
US11/465,198 US20060277144A1 (en) | 2000-02-10 | 2006-08-17 | System and method for secure electronic fund transfers |
US11/960,257 US20080154773A1 (en) | 2000-02-10 | 2007-12-19 | System and method for secure data and funds transfer |
US12/805,473 US20110041158A1 (en) | 2000-02-10 | 2010-08-02 | System and method for message handling |
Applications Claiming Priority (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US09/501,874 US7120606B1 (en) | 2000-02-10 | 2000-02-10 | System and method for secure electronic fund transfers |
Related Parent Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
US09/981,358 Continuation-In-Part US7343349B2 (en) | 2000-02-10 | 2001-10-15 | System and method for secure data and funds transfer |
Related Child Applications (3)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
US09/981,358 Continuation-In-Part US7343349B2 (en) | 2000-02-10 | 2001-10-15 | System and method for secure data and funds transfer |
US10/769,084 Continuation-In-Part US20050131811A1 (en) | 2000-02-10 | 2004-01-29 | System and method for message handling |
US11/465,198 Continuation US20060277144A1 (en) | 2000-02-10 | 2006-08-17 | System and method for secure electronic fund transfers |
Publications (1)
Publication Number | Publication Date |
---|---|
US7120606B1 true US7120606B1 (en) | 2006-10-10 |
Family
ID=23995369
Family Applications (2)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
US09/501,874 Expired - Lifetime US7120606B1 (en) | 2000-02-10 | 2000-02-10 | System and method for secure electronic fund transfers |
US11/465,198 Abandoned US20060277144A1 (en) | 2000-02-10 | 2006-08-17 | System and method for secure electronic fund transfers |
Family Applications After (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
US11/465,198 Abandoned US20060277144A1 (en) | 2000-02-10 | 2006-08-17 | System and method for secure electronic fund transfers |
Country Status (5)
Country | Link |
---|---|
US (2) | US7120606B1 (en) |
EP (1) | EP1260051A4 (en) |
AU (1) | AU2001238061A1 (en) |
CA (1) | CA2399638A1 (en) |
WO (1) | WO2001059983A1 (en) |
Cited By (73)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US20020065784A1 (en) * | 2000-02-10 | 2002-05-30 | Ranzini Stephen Lange | System and method for secure data and funds transfer |
US20020156728A1 (en) * | 2000-08-18 | 2002-10-24 | Rainer Jaschhof | Method and arrangement for the transmission of an electronic sum of money from a credit reserve by wap |
US20040039702A1 (en) * | 2002-08-20 | 2004-02-26 | First Data Corporation | Multi-purpose kiosk and methods |
US20040268137A1 (en) * | 2003-06-27 | 2004-12-30 | Pavel Kouznetsov | Organization-based content rights management and systems, structures, and methods therefor |
US20050005166A1 (en) * | 2003-06-27 | 2005-01-06 | Microsoft Corporation | Organization-based content rights management and systems, structures, and methods therefor |
US20050021635A1 (en) * | 2003-06-27 | 2005-01-27 | Chris Graham | Organization-based content rights management and systems, structures, and methods therefor |
US20050246277A1 (en) * | 2002-10-23 | 2005-11-03 | Bloem Nicolaas C | Transaction processing system |
US20050257045A1 (en) * | 2004-04-12 | 2005-11-17 | Bushman M B | Secure messaging system |
US20060191998A1 (en) * | 2005-02-28 | 2006-08-31 | Federal Reserve Bank Of Atlanta | Cash letter print streams with audit data |
US20060237526A1 (en) * | 2005-02-28 | 2006-10-26 | Federal Reserve Bank Of Atlanta | Expanded mass data sets for electronic check processing |
US20060277144A1 (en) * | 2000-02-10 | 2006-12-07 | Jove Corporation | System and method for secure electronic fund transfers |
US20070003111A1 (en) * | 2005-06-30 | 2007-01-04 | Fujitsu Limited | Biometrics authentication method and biometrics authentication system |
US20070092112A1 (en) * | 2005-09-20 | 2007-04-26 | Fujitsu Limited | Biometrics authentication method and biometrics authentication system |
US20070095888A1 (en) * | 2005-07-07 | 2007-05-03 | Federal Reserve Bank Of Atlanta | Electronic image cash letter balancing |
US20070179883A1 (en) * | 2006-01-18 | 2007-08-02 | Verdicash Inc. | System and method and computer readable code for visualizing and managing digital cash |
US20070192601A1 (en) * | 2005-08-03 | 2007-08-16 | Spain John D | System and method for user identification and authentication |
US20080159655A1 (en) * | 2006-11-07 | 2008-07-03 | Federal Reserve Bank Of Richmond | Prioritizing checks for electronic check processing |
US20080195499A1 (en) * | 2004-08-19 | 2008-08-14 | Thomas Meredith | Method Of Providing Cash And Cash Equivalent For Electronic Transctions |
WO2008118855A1 (en) * | 2007-03-28 | 2008-10-02 | The Western Union Company | Money transfer system and messaging system |
US20090006233A1 (en) * | 2007-03-30 | 2009-01-01 | Roland Chemtob | Electronic Fund Transfers Using an Electronic Mail Interface |
US20090114715A1 (en) * | 2007-11-06 | 2009-05-07 | Federal Reserve Bank Of Kansas City | Identifying duplicate printed paper cash letters |
US20090283585A1 (en) * | 1999-10-26 | 2009-11-19 | The Western Union Company | Money transfer systems and methods for travelers |
US20090319422A1 (en) * | 2002-10-10 | 2009-12-24 | Intercomputer Corporation | Secure electronic payment messaging system with reconcilable finality |
US20090327143A1 (en) * | 2008-06-27 | 2009-12-31 | Fernando Morales | Method and apparatus to send cash to any person in the world |
US20100057615A1 (en) * | 2008-08-27 | 2010-03-04 | John Klett | Method of transferring money |
US7707121B1 (en) * | 2002-05-15 | 2010-04-27 | Navio Systems, Inc. | Methods and apparatus for title structure and management |
US7802717B2 (en) | 2005-07-07 | 2010-09-28 | Federal Reserve Bank Of Dallas | Electronic image cash letter monitoring |
US7814212B1 (en) * | 2000-04-28 | 2010-10-12 | Chan Hark C | Data delivery system using local and remote communications |
US7881996B1 (en) | 2004-08-03 | 2011-02-01 | Federal Reserve Bank Of Atlanta | Method and system for screening financial transactions |
US20110041158A1 (en) * | 2000-02-10 | 2011-02-17 | Jove Corporation | System and method for message handling |
US7918386B2 (en) | 2007-11-06 | 2011-04-05 | Federal Reserve Bank Of Kansas City | Cash letter print verification |
US7933835B2 (en) * | 2007-01-17 | 2011-04-26 | The Western Union Company | Secure money transfer systems and methods using biometric keys associated therewith |
US20120148041A1 (en) * | 2010-12-14 | 2012-06-14 | Nxp B.V. | User-controlled random-id generation function for smartcards |
US8238638B2 (en) | 2008-01-31 | 2012-08-07 | Federal Reserve Bank Of Kansas City | Tag validation for efficiently assessing electronic check image quality |
US8387862B2 (en) | 2006-05-17 | 2013-03-05 | Federal Reserve Bank Of Dallas | Electronic image cash letter validation |
US8543477B2 (en) * | 2003-09-30 | 2013-09-24 | Federal Reserve Bank Of Atlanta | Value tracking and reporting of automated clearing house transactions |
US8560441B2 (en) | 2004-09-15 | 2013-10-15 | Federal Reserve Bank Of Atlanta | Managing variable to fixed payments in an international ACH |
US8738457B2 (en) | 2002-05-15 | 2014-05-27 | Oncircle, Inc. | Methods of facilitating merchant transactions using a computerized system including a set of titles |
US20140188702A1 (en) * | 2012-12-27 | 2014-07-03 | Travis Harrison Kroll Green | Changing email text based on payment status |
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US9177338B2 (en) | 2005-12-29 | 2015-11-03 | Oncircle, Inc. | Software, systems, and methods for processing digital bearer instruments |
US9509704B2 (en) | 2011-08-02 | 2016-11-29 | Oncircle, Inc. | Rights-based system |
US9621372B2 (en) | 2006-04-29 | 2017-04-11 | Oncircle, Inc. | Title-enabled networking |
US9626664B2 (en) | 2012-03-07 | 2017-04-18 | Clearxchange, Llc | System and method for transferring funds |
US9858553B2 (en) | 2008-05-12 | 2018-01-02 | Federal Reserve Bank Of Minneapolis | ACH payment processing |
US10192234B2 (en) | 2006-11-15 | 2019-01-29 | Api Market, Inc. | Title materials embedded within media formats and related applications |
US10198719B2 (en) | 2005-12-29 | 2019-02-05 | Api Market, Inc. | Software, systems, and methods for processing digital bearer instruments |
US10318936B2 (en) | 2012-03-07 | 2019-06-11 | Early Warning Services, Llc | System and method for transferring funds |
US10395247B2 (en) | 2012-03-07 | 2019-08-27 | Early Warning Services, Llc | Systems and methods for facilitating a secure transaction at a non-financial institution system |
US10395223B2 (en) | 2012-03-07 | 2019-08-27 | Early Warning Services, Llc | System and method for transferring funds |
US10402824B2 (en) | 2003-04-25 | 2019-09-03 | The Western Union Company | Systems and methods for verifying identities in transactions |
US10438175B2 (en) | 2015-07-21 | 2019-10-08 | Early Warning Services, Llc | Secure real-time payment transactions |
US10630572B1 (en) * | 2018-01-05 | 2020-04-21 | iPayed, LLC | Open loop, closed loop, real and near real-time computer network system and method therefor |
US10748127B2 (en) | 2015-03-23 | 2020-08-18 | Early Warning Services, Llc | Payment real-time funds availability |
US10769606B2 (en) | 2015-03-23 | 2020-09-08 | Early Warning Services, Llc | Payment real-time funds availability |
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US10846662B2 (en) | 2015-03-23 | 2020-11-24 | Early Warning Services, Llc | Real-time determination of funds availability for checks and ACH items |
US10877632B2 (en) * | 2019-02-25 | 2020-12-29 | Capital One Services, Llc | Performing an action based on user interaction data |
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CA2399638A1 (en) | 2001-08-16 |
WO2001059983A1 (en) | 2001-08-16 |
EP1260051A4 (en) | 2009-11-11 |
US20060277144A1 (en) | 2006-12-07 |
EP1260051A1 (en) | 2002-11-27 |
AU2001238061A1 (en) | 2001-08-20 |
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